Bank of Baroda (BOBCARD) Eterna review: fees, rewards and eligibility
The Bank of Baroda (BOBCARD) Eterna has a recorded annual fee of ₹2,499 plus GST and a base earn of 3 RP/₹100 (worth ₹0.75 as cashback). CardMasters checked its issuer terms on 2026-07-28. Affiliate commission never changes ranking; confirm final terms and approval with Bank of Baroda (BOBCARD).
Bank of Baroda (BOBCARD) Eterna: short answer
The Bank of Baroda (BOBCARD) Eterna is in the premium tier of Bank of Baroda (BOBCARD) credit cards, with a joining fee of ₹2,499, an annual fee of ₹2,499 plus GST (waived on ₹2,50,000 of eligible annual spend), a base earn of 3 RP/₹100 (worth ₹0.75 as cashback) and a 2% forex markup. Rewards are not earned on fuel, rent, wallet load, cash withdrawal, emi. It suits online shopping, domestic lounge, fitness spending; whether it beats a card you already hold depends on your own spend mix and redemption choices.
Source: CardMasters issuer-evidence catalogue, release 2026-07-28. Confirm final terms with the issuer.
Reward structure
3 RP/₹100 (worth ₹0.75 as cashback)
- 15 RP/₹100 (worth 3.75% as cashback) on online shopping, travel, dining, movies, international (5,000 points per statement cycle) — One shared 5,000 RP cap per statement cycle; further eligible spend earns the regular 3 RP/₹100
Eligibility and important limits
minimum age 25, maximum salaried age 55, published monthly income floor ₹1,00,000 Issuer publishes net annual income above ₹12 lakh for salaried and self-employed applicants; final approval remains discretionary. Approval remains solely at the issuer’s discretion.
Does not earn: fuel, rent, wallet load, cash withdrawal, emi, grocery, insurance, education, government, charity, agriculture.
Frequently asked questions
What is the annual fee for the Bank of Baroda (BOBCARD) Eterna?
The published annual fee in our current record is ₹2,499 plus applicable GST. It can be waived after ₹2,50,000 of eligible annual spend, subject to issuer terms.
How do rewards work on the Bank of Baroda (BOBCARD) Eterna?
3 RP/₹100 (worth ₹0.75 as cashback). Accelerated routes include 15 RP/₹100 (worth 3.75% as cashback) on online shopping, travel, dining, movies, international (5,000 points per statement cycle). Reward value depends on the eligible transaction route and redemption method.
Which transactions do not earn rewards on the Bank of Baroda (BOBCARD) Eterna?
The current issuer-sourced exclusions recorded by CardMasters include fuel, rent, wallet load, cash withdrawal, emi, grocery, insurance, education, government, charity, agriculture. Merchant category coding and issuer terms determine final eligibility.
Who should consider the Bank of Baroda (BOBCARD) Eterna?
It is most relevant for people focused on online shopping, domestic lounge, fitness, value premium. Whether it improves your wallet still depends on your actual spending, existing cards, fees and redemption choices.
Is the Bank of Baroda (BOBCARD) Eterna worth it?
It is worth holding only when the rewards and benefits you will genuinely use exceed ₹2,499 plus GST each year. The fee is waived at ₹2,50,000 of eligible annual spend, so check whether you reach that without forcing spend. Value the rewards at a realistic redemption rate, not the issuer's best-case example.
What is the eligibility for the Bank of Baroda (BOBCARD) Eterna?
The published minimum age is 25. The published monthly income floor is ₹1,00,000. Issuer publishes net annual income above ₹12 lakh for salaried and self-employed applicants; final approval remains discretionary Approval, credit limit and final pricing are decided solely by the issuer.
What is the forex markup on the Bank of Baroda (BOBCARD) Eterna?
The recorded foreign-currency markup is 2% before GST. On ₹1,00,000 of international spend that is about ₹2,000 in markup, so compare it against any rewards earned on overseas transactions.
Does the Bank of Baroda (BOBCARD) Eterna offer airport lounge access?
Domestic lounge access: unlimited for primary + add-on (₹75K net spend in prior calendar quarter, effective 15 July 2026). International lounge access: none complimentary. Spend conditions and guest charges are set by the issuer and can change.